Today’s episode of The Cashflow Chronicles is one you do not want to miss—especially if you're 35 or older and serious about protecting your wealth and your family’s future.

Shawn King sits down with Michelle Prather from OneAmerica to talk about a powerful but often overlooked financial tool: Asset-Based Long-Term Care. This is not your grandfather’s LTC policy—Michelle breaks down how today’s modern version is built on a whole life insurance foundation, offering protection, guarantees, and peace of mind that traditional LTC just couldn’t provide.

📺 Want to follow along with visuals?
Head over to our YouTube channel, Legacy Life and Retirement, where Michelle gives a live, slide-based walkthrough of the entire product and strategy so you can see how it works in real time.
👉https://www.youtube.com/@LegacyLifeRetirement

• Why Long-Term Care is one of the most important but overlooked parts of a real financial plan
• How OneAmerica’s LTC product differs from the old-school version your parents may have had
• The benefits of LTC built on a whole life policy chassis
• Real-world examples of how this policy can protect you, your spouse, and your estate
• The massive cost of long-term care in retirement—and how pennies on the dollar today can save you tens of thousands later
• What makes this policy one of the only options that covers both individuals and couples
• Why the best time to get it is in your 30s or 40s (while it's more affordable and easier to qualify for)

Most people wait until it's too late to think about long-term care. But wealth isn’t just about growing money—it’s about protecting it. And this tool gives you the power to do both:
✅ Grow your wealth through a properly structured whole life policy
✅ Access tax-advantaged cash value
✅ AND have robust long-term care coverage in place—without ever “losing your money” like old LTC plans

If you’re 35+ and don’t yet have a real long-term care plan in place, this episode could literally save your retirement.
Watch the full visual overview on YouTube and then schedule your free consultation to see if this strategy makes sense for your life.

📺 Watch the YouTube Overview w/ Michelle Prather:
👉 https://www.youtube.com/@LegacyLifeandRetirement

📞 Book Your FREE Cash Consultation Call with Shawn:
👉 https://calendly.com/shawnksfg/infinite-banking

🔗 Explore More Resources:
👉 https://linktr.ee/legacylifeandretirement

🌐 Visit the Website:
👉 https://legacylifeandretirement.com

📧 Contact Shawn Directly:
👉 Info@LegacyLifeandRetirement.com

The earlier you plan, the more powerful this becomes.
The information is free—but the knowledge is priceless.
Don’t wait—protect your assets while you still can.

In this episode, we cover:Why This Matters:Call to Action:

In this episode of The Cashflow Chronicles, Shawn King breaks down one of the most misunderstood concepts in personal finance: the difference between good debt and bad debt.

Most people are taught to fear all debt—but that’s a mistake. Not all debt is created equal. In fact, if used strategically, the right kind of debt can actually help you build wealth, buy back your time, and create long-term financial freedom. The problem is, most people are stuck using debt the wrong way—and it’s draining their cash flow and destroying their future.

🎙️ Inside this episode:• What debt really is (and why it’s neutral—not evil)• The difference between wealth-building debt and wealth-draining debt• Examples of good debt (real estate, business loans, strategic education, and Infinite Banking)• Examples of bad debt (credit cards, auto loans, Buy Now Pay Later schemes)• How to eliminate bad debt and start flowing money through a system that works for you• Why Infinite Banking can transform debt into a strategic asset• How to get out of the financial rat race by using debt the right way

Whether you’re drowning in debt or just looking to sharpen your financial tools, this episode is a must-listen.

Key Takeaways:

✅ Good debt increases your income, cash flow, or net worth✅ Bad debt funds lifestyle now at the expense of future freedom✅ Infinite Banking turns your cash into a multi-use asset✅ Most people aren’t in debt because they’re irresponsible—they just weren’t taught the rules✅ The goal isn’t to be “debt free”… it’s to be financially free✅ You need a system that helps you control your cash, eliminate bad debt, and leverage good debt with intention✅ If you want help building your plan, Shawn can guide you—step by step

Ready to ditch bad debt and start leveraging smart strategies to build real wealth? Start by watching the full Save & Spend System overview—and then book a free call with Shawn to map out your next steps.

📺 Watch the Full Save & Spend System Presentation:👉 https://saveandspendsystem.com/startnow2

📞 Book Your FREE Cash Consultation Call with Shawn:👉 https://calendly.com/shawnksfg/infinite-banking

🔗 Connect, Learn & Grow:👉 https://linktr.ee/legacylifeandretirement

🌐 Visit the Website:👉 https://legacylifeandretirement.com

📧 Contact Shawn Directly:👉 Info@LegacyLifeandRetirement.com

If this episode resonated with you and you're ready to build a financial system that puts you back in control, start with the Save & Spend System overview, then book your Free Cash Consultation with Shawn directly.

🌐 Visit our website:👉 ⁠⁠https://legacylifeandretirement.com⁠⁠

🎥 Watch the Full Save & Spend Presentation:👉 ⁠https://saveandspendsystem.com/startnow2⁠

📞 Book Your FREE Cash Consultation Call:👉 ⁠https://calendly.com/shawnksfg/infinite-banking⁠

📘 Start your financial education with these recommended reads:• Becoming Your Own Banker by R. Nelson Nash – ⁠Buy on Amazon⁠

🔗 Connect, Learn, and Share:👉 ⁠https://linktr.ee/legacylifeandretirement⁠

📧 Contact us directly:👉 ⁠Info@LegacyLifeandRetirement.com⁠

The information is free—but the knowledge is priceless.Subscribe, share, and remember: fortune favors the informed.

In this bold and brutally honest episode of The Cashflow Chronicles, host Shawn King pulls back the curtain on how U.S. government policy, Wall Street, and the Federal Reserve stack the financial system against the middle class.

This is not a political rant. It’s a wake-up call backed by data, history, and cold hard truth. From the creation of the Federal Reserve to the disappearance of pensions and the rise of inflation as a hidden tax, Shawn exposes the rigged nature of today’s financial game—and more importantly, shows you how to break free.

Drawing from sources like The Creature from Jekyll Island, Becoming Your Own Banker, and The Pirates of Manhattan, this episode dives deep into:
• Why the wealthy use strategies like Infinite Banking and cash-value life insurance• How banks use BOLI while telling the public to “buy term and invest the rest”• Why 401(k)s and IRAs were never meant to be your retirement foundation• And how you can reclaim financial control using the same tools the elite have used for decades

If you're tired of being lied to by financial institutions and left behind by public policy, this episode is your blueprint for building personal wealth on your own terms.

✅ The government bailed out banks—not families—after the 2008 crash✅ The U.S. tax system favors the ultra-wealthy through loopholes unavailable to W-2 earners✅ The Federal Reserve is a private banking cartel—not truly federal, and not transparent✅ Deficit spending, inflation, and money printing act as hidden taxes on the middle class✅ Public education has failed to teach financial literacy—by design or default✅ Wealthy families and corporations store capital in cash-value life insurance, not 401(k)s✅ Infinite Banking allows you to become your own banker, recapture interest, and grow tax-free✅ A properly structured whole life policy is a financial foundation—not an outdated product✅ The shift from pensions to 401(k)s placed all retirement risk on you, not the employer✅ You must stop trusting "the system" and start learning how to play the game differently

If this episode resonated with you and you're ready to build a financial system that puts you back in control, start with the Save & Spend System overview, then book your Free Cash Consultation with Shawn directly.

🌐 Visit our website:👉 ⁠https://legacylifeandretirement.com⁠

🎥 Watch the Full Save & Spend Presentation:👉 https://saveandspendsystem.com/startnow2

📞 Book Your FREE Cash Consultation Call:👉 https://calendly.com/shawnksfg/infinite-banking

📘 Start your financial education with these recommended reads:• Becoming Your Own Banker by R. Nelson Nash – Buy on Amazon• The Creature from Jekyll Island by G. Edward Griffin• The Pirates of Manhattan by Barry James Dyke

🔗 Connect, Learn, and Share:👉 https://linktr.ee/legacylifeandretirement

📧 Contact us directly:👉 Info@LegacyLifeandRetirement.com

The information is free—but the knowledge is priceless.
Subscribe, share, and remember: fortune favors the informed.

In this episode of The Cashflow Chronicles, host Shawn King asks a powerful question:

How old is your financial strategy—and can it stand the test of time?

From 401(k)s and Roth IRAs to mutual funds and stock market investing, Shawn walks you through the real history behind today’s most popular financial tools—and why Whole Life Insurance still stands alone as a time-tested, contractually guaranteed asset.

While mainstream tools have only existed for a few decades (and come with serious risks and restrictions), properly structured whole life insurance has been delivering results for over 200 years—through wars, recessions, market crashes, and more.

If you're serious about building a financial system that’s flexible, private, and built to last, this episode is a must-listen.

✅ 401(k)s (1978) and Roth IRAs (1997) are recent financial experiments—and you’re the test subject

✅ Both tools come with heavy restrictions, market risk, and limited access to your own money

✅ Mutual funds and stocks offer diversification—but often underperform and remain volatile

✅ Whole life insurance has been around since the early 1800s and has survived every major economic event

✅ Properly structured policies offer:  

• Guaranteed growth  • Tax advantages  • Full liquidity through loans  • Complete privacy  • A contractual death benefit

✅ Infinite Banking is not just a savings strategy—it’s a complete financial system

✅ Wealthy families have trusted this tool for centuries, not decades

✅ When you choose the right tool, you gain control, access, and legacy

If you’re ready to stop chasing financial trends and start building a legacy with proven, private, and guaranteed tools, now’s the time to act.

🎥 Watch the Full Save & Spend Presentation: 👉 https://saveandspendsystem.com/startnow2

📞 Book Your FREE Cash Consultation Call: 👉 https://calendly.com/shawnksfg/infinite-banking

📘 Start your journey with this powerful book: 👉 Becoming Your Own Banker by R. Nelson Nash – Buy on Amazon

🔗 Explore more videos, tools, and podcast episodes: 👉 https://linktr.ee/legacylifeandretirement

🌐 Visit our website: 👉 https://legacylifeandretirement.com

Key Takeaways:Call to Action:

In this episode of The Cashflow Chronicles, host Shawn King challenges a common financial belief that most people get completely backwards: the idea that borrowing at a higher interest rate than you're earning is always a bad move.

Using real-world examples and simple math, Shawn explains why—in the world of Infinite Banking—that thinking doesn’t hold up.

He breaks down how uninterrupted compound growth, cash flow control, and leveraging whole life insurance can help you build wealth even when loan rates are higher than your policy earnings. Whether it’s buying a car or funding an investment, this episode proves that keeping your money in motion changes everything.

✅ The rate you borrow at is less important than how your money continues to grow
✅ Whole life insurance policies provide uninterrupted compounding, even when you take a loan
✅ You don’t withdraw your money—you borrow against it, keeping your capital at work
✅ Traditional thinking says “never borrow at a higher rate than you earn”—Infinite Banking proves otherwise✅ Real examples:
 • Borrow at 5%, earn 4%, and still come out ahead
• Borrow at 6%, earn 8%, and net over $15,000 in profit
✅ This strategy lets you solve real-life needs while continuing to build wealth
✅ You maintain control, grow your capital, and create an AND Asset—you don't have to choose between access and growth
✅ When paired with smart investing, Infinite Banking becomes a wealth multiplier

📲 Want to stop choosing between growth and access?
Learn how to use the Save & Spend System to multiply your wealth and keep your cash flowing 24/7.

🎥 Watch the Full Save & Spend Presentation:
👉 https://saveandspendsystem.com/startnow2

📞 Book Your Free Cash Consultation:
👉 https://calendly.com/shawnksfg/infinite-banking

📘 Start your Infinite Banking journey with this book:
👉 Becoming Your Own Banker by R. Nelson Nash – Buy on Amazon

🔗 Find all our resources, podcast episodes, and social links here:
👉 https://linktr.ee/legacylifeandretirement

🌐 Visit our website:
👉 https://legacylifeandretirement.com

In this foundational episode of The Cashflow Chronicles, host Shawn King breaks down one of the most misunderstood concepts in personal finance: cash value in a whole life insurance policy.

If you think it’s just a glorified savings account or some kind of bonus fund you might never see—think again. Cash value is the present value of a guaranteed future payout, and understanding it properly is critical if you want to truly master Infinite Banking.

Shawn walks you through real-life examples, dispels common myths (yes, even the ones from Dave Ramsey), and shows how cash value functions as your private equity in a system built to grow and serve your family for generations.

✅ Cash value is not a savings account or market investment — it’s the present value of a guaranteed death benefit✅ Without a death benefit, there is no cash value — the two are inseparable
✅ Whole life insurance works like building equity in a home — you gain more over time
✅ Cash value grows every single day through time and premiums, even if untouched
✅ You can borrow against cash value anytime, without interrupting its growth
✅ The closer you get to policy maturity, the more valuable your cash value becomes
✅ Dave Ramsey’s claim that “the insurance company keeps your cash value” is false — it’s already included in the death benefit
✅ Infinite Banking works because of uninterrupted compounding and full liquidity on your terms
✅ Time is your greatest asset — the earlier you start, the more powerful your policy becomes

Ready to learn how to turn your policy into a private banking system? Let’s explore your options together.

🌐 Visit our website:👉 ⁠https://legacylifeandretirement.com⁠

📲 Book your FREE Cash Consultation Call Here:
👉 https://calendly.com/shawnksfg/infinite-banking

📘 Start your journey by reading the book that started it all:
👉 Becoming Your Own Banker by R. Nelson Nash – Buy on Amazon

🔗 Connect with us for more tools, videos, and episodes:
👉 https://linktr.ee/legacylifeandretirement

In this episode of The Cashflow Chronicles, host Shawn King dives deep into the key differences between Infinite Banking using whole life insurance and traditional government-qualified plans like 401(k)s and IRAs.

He unpacks why many people unknowingly give up financial control, liquidity, and flexibility in exchange for restrictive tax advantages—and how Infinite Banking puts you back in the driver's seat.

Shawn highlights the benefits of guaranteed growth, uninterrupted compounding, and immediate access to capital, while exposing the hidden risks of relying on market-based accounts for retirement.

✅ Whole life insurance is not a traditional investment vehicle—it's a private banking system.
✅ Infinite Banking offers liquidity, control, and flexibility unmatched by qualified plans.
✅ 401(k)s and IRAs come with contribution limits, age restrictions, and market volatility.
✅ Whole life insurance provides guaranteed growth and protection of principal.
✅ Cash value grows tax-deferred and can be accessed tax-free via loans.
✅ There are no income restrictions or contribution caps with Infinite Banking.
✅ You can access your capital at any time, without waiting until age 59½.
✅ The death benefit creates a legacy that protects your family for generations.
✅ Banking is about control; investing is about speculation—know the difference.

📲 Ready to start your own journey?
Book a free Cash Consultation with our team:👉 https://calendly.com/shawnksfg/infinite-banking

Full Infinite Banking Overview

👉 https://saveandspendsystem.com/startnow2

🔗 Connect with us:
Explore all our resources, videos, and podcast episodes here:
👉 https://linktr.ee/legacylifeandretirement